universal life
UNIVERSAL LIFE SAVINGS
& INVESTMENT OPTIONS
UNIVERSAL LIFE SAVINGS
& INVESTMENT OPTIONS
Universal life combines cost-effective life insurance protection and tax-advantaged investment opportunities.
Before making your investment choices, it’s important to understand how comfortable you are with investment
risk. Many people recommend taking a more conservative approach within an insurance policy in order to
safeguard the death benefit. We offer a wide range of investment options that are well suited to not only
building a conservative portfolio, but also adding long-term growth options for the more aggressive investor.
DESIGNING YOUR SAVINGS AND INVESTMENT PORTFOLIO
You can invest in any combination of the following:
• Daily Interest Account The Daily Interest Account is similar to a typical savings account found at various financial institutions.
The interest rate credited on premiums allocated to the Daily Interest Account will be determined by Equitable Life® from time
to time, but is guaranteed never to be less than 90% of the yield on 91-Day Government of Canada Treasury Bills, less 2%.
Interest credited will never be negative.
• Guaranteed Deposit Accounts A minimum investment of $500 is required and can be invested for terms of 1, 5, and 10
years. Premiums allocated to the Guaranteed Deposit Accounts provide you with a guaranteed rate of interest for the term
selected. Interest credited will never be negative.
• Linked Interest Options Linked Interest Options provide the opportunity to have non-registered accounts that enjoy tax-advantaged
earnings with performance that reflects domestic, global equity and bond markets. There are three types of Linked Interest
Options available:
Index Interest Options
Interest based on the movement of
widely recognized indices.
UNIVERSAL LIFE SAVINGS AND INVESTMENT OPTIONS
Performance Fund
Interest Options
Interest mirrors the performance of
mutual funds managed by some of
the world’s best professional money
managers.
Portfolio Interest Options
Interest based on the performance
of the Franklin Templeton Quotential
Portfolios.
HOW DO THE LINKED INTEREST OPTIONS WORK?
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interest a
ent
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Equitable Life guarantees to credit or debit
interest with an interest rate equal to:
monthly
charges
• not less than 100% of the net rate of return
of the Performance or Portfolio Funds
being tracked, including the reinvestment
of dividends, and
• not less than 100% of the comparative
increase or decrease of the total return
of the Index being tracked, including the
reinvestment of dividends.
net
premiums
premium
tax
premiums
Equitable Life tracks the
performance of the
selected external mutual
fund, index or portfolio
on a daily basis.
nts
ou
With Linked Interest Options, you are not
investing in or buying units in the Index,
Performance or Portfolio Fund being tracked.
Instead, net premiums allocated to the Linked
Interest Options are invested in an interest
bearing account on deposit with The Equitable
Life Insurance Company of Canada. Charges
are deducted monthly.
linked interest
options selected
by you
Equitable Life guarantees
to credit or debit interest
based on the rate of
return (net rate of return
for mutual funds and
portfolios and total return
for indices) of the
external fund or index
being tracked.
Due to the variable nature of the market-based investments that are being tracked, the rate of interest can be either positive or
negative depending on the movement of the applicable index, mutual fund or portfolio you select.
• A negative return or interest rate will reduce your Account Value.
• A positive return or interest rate will increase your Account Value.
Starting Account Value
$2,000
Rate of return of the fund
being tracked
Your New Account Value
2%
$2,040
-3%
$1,940
The performance you experience will depend on the amounts and timing of premiums relative to the index, mutual fund or portfolio
being tracked by your Linked Interest Option(s). While Linked Interest Options may provide the potential for greater rates of return
over the long term, there is an inherent risk in selecting them as investment options. Unlike investing in the Daily Interest Account or
the Guaranteed Deposit Accounts where there are guarantees surrounding the credited interest rates, investments in the Linked Interest
Options are NOT GUARANTEED. It is possible to receive negative interest, which will reduce your Account Value. Past performance
of the indices, mutual funds or portfolios does not guarantee future results. Investment results will vary.
It is important to consider these factors and your risk tolerance when you make your Investment Interest Account selection. If you are
planning to deposit a premium that is equal to or only slightly greater than the minimum premium for your policy, you should not be
selecting any investment option that can have a negative return. In this case, you should limit your investment choices to the Daily
Interest Account and the Guaranteed Deposit Accounts.
UNIVERSAL LIFE SAVINGS AND INVESTMENT OPTIONS
WHAT’S THE RIGHT INVESTMENT MIX FOR YOU?
Your financial goals and objectives, time horizon, and attitudes towards risk all play a role in determining the investment mix or
asset allocation that’s right for you.
Completing the Investor Profiler Questionnaire (1190) will provide you with potential portfolios. Your financial advisor can
assist you with reviewing your profile and selecting your investments.
• Design a portfolio by choosing from a combination of guaranteed investments, fixed income and equities in the
proportions indicated.
• Or simply select the Portfolio Interest Option that best fits your profile.
INVESTMENT PROFILE CATEGORIES
SAVINGS AND INVESTMENT OPTIONS
1. No Risk
100% Guaranteed (Guaranteed/Term Deposit
Accounts)
2. Conservative
30% Equity, 45% Fixed Income, 25% Guaranteed
OR
45% Balanced, 30% Fixed Income, 25% Guaranteed
OR
Diversified Income Portfolio Interest Option
3. Moderate Conservative
40% Equity, 40% Fixed Income, 20% Guaranteed
OR
60% Balanced, 20% Fixed Income, 20% Guaranteed
OR
Balanced Income Portfolio Interest Option
4. Balanced
60% Equity and 40% Fixed Income
OR
100% Balanced
OR
Growth Portfolio Interest Option
Guaranteed Deposit Accounts (terms of 1, 5 and 10 years)
Fixed Income Exposure
•
Performance Fund Interest Option – Canadian Bond
•
Performance Fund Interest Option – Global Fixed Income
Balanced Exposure
•
Performance Fund Interest Option – Canadian
•
Performance Fund Interest Option – Global Balanced
Domestic Equity Exposure
•
Index Interest Option – Canadian Equity
•
Performance Fund Interest Option – Canadian Value Stock
•
Performance Fund Interest Option – Large Cap Canadian Equity
•
Index Interest Option – American Equity
•
Index Interest Option – U.S. Technologies
•
Index Interest Option – U.S. Blue Chip
•
Performance Fund Interest Option – Global
•
Index Interest Option – European
Portfolio Interest Options
LEGEND
UNIVERSAL LIFE SAVINGS AND INVESTMENT OPTIONS
Daily Interest Account
•
Foreign Equity Exposure
6. Aggressive Growth
100% Equity
OR
Diversified Equity Portfolio Interest Option
Fixed Income
•
U.S. Equity Exposure
5. Growth
80% Equity and 20% Fixed Income
OR
80% Balanced and 20% Equity
OR
Growth Portfolio Interest Option
Guaranteed
Guaranteed Investment Options
Equity
•
Diversified Income Portfolio Interest Option (Conservative)
•
Balanced Income Portfolio Interest Option (Moderate Conservative)
•
Balanced Growth Portfolio Interest Option (Balanced)
•
Growth Portfolio Interest Option (Growth)
•
Diversified Equity Portfolio Interest Option (Aggressive Growth)
WHAT LINKED INTEREST OPTIONS ARE AVAILABLE
ON UNIVERSAL LIFE PLANS?
The following pages outline the Linked Interest Options available under
your universal life plan along with a Glossary of terms.
Asset Class
Volatility
Fund Name
Page
Fixed Income
Exposure
Low
Performance Fund Interest Option – Canadian Bond
1
Low to Moderate
Performance Fund Interest Option – Global Fixed Income
2
Performance Fund Interest Option – Canadian
3
Performance Fund Interest Option – Global Balanced
4
Index Interest Option -- Canadian Equity
5
Performance Fund Interest Option – Canadian Value Stock
6
Performance Fund Interest Option – Large Cap Canadian Equity
7
Index Interest Option -- American Equity
8
Index Interest Option -- U.S. Technologies
9
Index Interest Option -- U.S. Blue Chip
10
Performance Fund Interest Option – Global
11
Index Interest Option -- European
12
Diversified Income Portfolio Interest Option
13
Balanced Income Portfolio Interest Option
14
Balanced Growth Portfolio Interest Option
15
Growth Portfolio Interest Option
16
Diversified Equity Portfolio Interest Option
17
Balanced
Exposure
Domestic
Equity Exposure
U.S. Equity
Exposure
Foreign Equity
Exposure
Portfolio Interest
Options
Low to Moderate
Moderate
Moderate
Moderate
Low to Moderate
Moderate
UNIVERSAL LIFE SAVINGS AND INVESTMENT OPTIONS
UNIVERSAL LIFE LINKED INTEREST OPTION SHEETS GLOSSARY
T Y PE O F L I N K ED I N T ERES T O P T I O N
NAME OF LINKED INTEREST OPTION
(External mutual fund, index or portfolio currently being tracked)
F U L L L E GA L L I C E N S E D N A M E O F I N S U R A N C E C O M PA N Y
|
DAT E O F I N FO R M AT I O N
QUICK FACTS
HOW HAS IT PERFORMED?
Portfolio Manager:
An individual, or firm, who controls the assets within the
external mutual fund, index or portfolio being tracked.
The portfolio manager monitors and selects appropriate
investments based on the investment objective of the fund
or underlying fund.
This section shows the Linked Interest Option
performance for the past 5 years and since the date the
Linked Interest Option became available on Equitable
Life’s universal life policies.
Date of Inception:
The date of inception reflects the date on which the
Linked Interest Option became available with Equitable
Life’s universal Life policies. It does not reflect the actual
inception date for the Mutual Fund or Index being tracked.
The pie graph(s) show a breakdown of the investment
portfolio of the external mutual fund, index or portfolio
being tracked. It is segmented into appropriate subgroups
and the percentage that is held in each subgroup.
INVESTMENT SEGMENTATION
Asset Class:
The category or type of investment found in the external
mutual fund, index or portfolio being tracked.
WHAT IS THE INVESTMENT OBJECTIVE?
This section outlines the financial goal that the Portfolio
Manager is working to achieve along with the type of
investments they’ll make and the strategy they’ll follow to
meet that objective.
TOP 10 INVESTMENTS
The top 10 list reflects the top 10 holdings of the external
mutual fund, index or portfolio being tracked.
HOW RISKY IS IT?
Very
Low
Low
Low to
moderate
Moderate
Moderate
to high
High
This chart indicates the risk by measuring the amount of
price change in the fund, index or portfolio over a one
month period. The value of your investments can go
down. The level of risk that is suitable for you will depend
on a number of factors such as your investment goals and
risk tolerance. Speak to your advisor to determine the
appropriate funds for you in your particular circumstances.
UNIVERSAL LIFE SAVINGS AND INVESTMENT OPTIONS
This is a Linked Interest Option. It is
not a Mutual fund or Indices. You
are not acquiring an interest in any
investments tracked by this designated
This is a Linked Interest Option. It is not a Mutual
index or purchasing any units or
fund or Indices. You are not acquiring an interest
legal interest in any security. You are
in any investments tracked by this designated
placing funds on deposit, earning
index or purchasing any units or legal interest in
interest with the general funds of
any security. You are placing funds on deposit,
Equitable Life. Interest is based on the
earning interest with the general funds of Equitable
performance of underlying fund, index
Life. Interest is based on the performance of
or portfolio.
underlying fund, index or portfolio.
PERFORMANCE FUND INTEREST OPTIONS
CANADIAN BOND
(Currently tracking Sun Life MFS Canadian Bond Fund, series D.)
THE EQUITABLE LIFE INSURANCE COMPANY OF CANADA
QUICK FACTS
Portfolio Manager:
Date of Inception:
Asset Class:
DECEMBER 31, 2014
HOW HAS IT PERFORMED?
Sun Life Global
Investments
May 12, 2003
Canadian Fixed Income
WHAT IS THE INVESTMENT
OBJECTIVE?
High investment returns primarily through income,
with reasonable safety of capital.
TOP 10 INVESTMENTS
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
|
Ontario Prov Cda 4.7%, 02/06/2037
US Treasury Note 2.125%, 31/08/2020
Canada Govt 2.75%, 01/12/2048
Ontario Prov Cda 2.1%, 08/09/2019
Ontario Prov Cda 4%, 02/06/2021
Canada Hsg Tr No 1 1.7%, 15/12/2017
407 Intl Inc. 6.47%, 27/07/2029
Ontario Prov Cda 6.5%, 08/03/2029
Morgan Stanley 3.125% 05/08/2021
New Brunswick Prov Cda 3.65%, 03/06/2024
Compound returns
(In Canadian dollars as of December 31, 2014)
1 month
0.33%
6 months
3.29%
1 year
9.28%
2 years
4.02%
3 years
3.95%
5 years
5.19%
Since inception
5.15%
(For current month returns, visit www.equitable.ca.
Universal Life Rates & Performance can be found
under Our Products / Universal Life / Resources).
Past performance does not guarantee future
results. Investment results will vary. The Mutual
Fund or Index being tracked may change at any
time.
INVESTMENT SEGMENTATION
HOW RISKY IS IT?
Very
Low
Low
Low to
moderate
Moderate
Moderate
to high
High
This is a Linked Interest Option. It is not a Mutual
fund or Indices. You are not acquiring an interest
in any investments tracked by this designated index
or purchasing any units or legal interest in any
security. You are placing funds on deposit, earning
interest with the general funds of Equitable Life.
Interest is based on the performance of Sun Life
MFS Canadian Bond Fund.
1
PERFORMANCE FUND INTEREST OPTIONS
GLOBAL FIXED INCOME
(Currently tracking Mackenzie Global Bond Fund, Series A.)
THE EQUITABLE LIFE INSURANCE COMPANY OF CANADA
QUICK FACTS
Portfolio Manager:
Date of Inception:
Asset Class:
|
DECEMBER 31, 2014
HOW HAS IT PERFORMED?
Mackenzie Investments
May 12, 2003
Global Fixed Income
WHAT IS THE INVESTMENT
OBJECTIVE?
Invests primarily in bonds issued by foreign
companies and governments. Corporate bond
focus provides a yield advantage. Significant
exposure to emerging market debt. Can investment
up to 25% in non-investment grade bonds.
Compound returns
(In Canadian dollars as of December 31, 2014)
1 month
-1.58%
6 months
-0.22%
1 year
4.09%
2 years
4.34%
3 years
4.25%
5 years
2.80%
Since inception
0.43%
(For current month returns, visit www.equitable.ca.
Universal Life Rates & Performance can be found
under Our Products / Universal Life / Resources).
TOP 10 INVESTMENTS
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
United States Treasury 0.50% 06-30-2016
United States Treasury 1.75%, 07-31-2015
United States Treasury 0.625%, 08-31-2017
Olam International Ltd. 7.50%, 08-12-2020
Wells Fargo Bank National Association 5.75%
05-16-2016
United States Treasury 2.625% 11-15-2020
Daimler Finance North America LLC 1.45%
08-01-2016
Odebrecht Drilling Norbe VIII/IX Ltd. 6.35%
06-30-2021
Central American Bank for Economic
Integration 3.875%
Banco Latinoamericano de Comercio Exterior
SA 3.75%
Past performance does not guarantee future
results. Investment results will vary. The Mutual
Fund or Index being tracked may change at any
time.
INVESTMENT SEGMENTATION
HOW RISKY IS IT?
Very
Low
Low
Low to
moderate
Moderate
Moderate
to high
High
This is a Linked Interest Option. It is not a Mutual
fund or Indices. You are not acquiring an interest
in any investments tracked by this designated index
or purchasing any units or legal interest in any
security. You are placing funds on deposit, earning
interest with the general funds of Equitable Life.
Interest is based on the performance of Mackenzie
Global Bond Fund.
2
PERFORMANCE FUND INTEREST OPTIONS
CANADIAN
(Currently tracking Sun Life MFS Balanced Growth Fund, series D.)
THE EQUITABLE LIFE INSURANCE COMPANY OF CANADA
QUICK FACTS
Portfolio Manager:
Date of Inception:
Asset Class:
|
DECEMBER 31, 2014
HOW HAS IT PERFORMED?
Sun Life Global
Investments
September 24, 2001
Global Neutral Balanced
WHAT IS THE INVESTMENT
OBJECTIVE?
Provide a high rate of return consistent with a
conservative investment policy through a mix of
long term capital growth and fixed income securities
issued primarily by Canadian issuers.
Compound returns
(In Canadian dollars as of December 31, 2014)
1 month
-0.15%
6 months
3.68%
1 year
10.07%
2 years
12.35%
3 years
10.76%
5 years
6.45%
Since inception
5.90%
(For current month returns, visit www.equitable.ca.
Universal Life Rates & Performance can be found
under Our Products / Universal Life / Resources).
TOP 10 INVESTMENTS
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
Past performance does not guarantee future
results. Investment results will vary. The Mutual
Fund or Index being tracked may change at any
time.
Sun Life MFS MB US Growth Series I
Sun Life MFS MB International Growth I
Toronto-Dominion Bank
Royal Bank of Canada
Bank of Nova Scotia
Canadian National Railway Co.
Magna International Inc. Class A
Suncor Energy Inc.
Valeant Pharmaceuticals International Inc.
Canada Hsg Tr No 1 1.75%
INVESTMENT SEGMENTATION
HOW RISKY IS IT?
Very
Low
Low
Low to
moderate
Moderate
Moderate
to high
High
This is a Linked Interest Option. It is not a Mutual
fund or Indices. You are not acquiring an interest
in any investments tracked by this designated index
or purchasing any units or legal interest in any
security. You are placing funds on deposit, earning
interest with the general funds of Equitable Life.
Interest is based on the performance of Sun Life
MFS Balanced Growth Fund.
3
PERFORMANCE FUND INTEREST OPTIONS
GLOBAL BALANCED
(Currently tracking Templeton Global Balanced Fund, series T.)
THE EQUITABLE LIFE INSURANCE COMPANY OF CANADA
QUICK FACTS
Portfolio Manager:
Date of Inception:
Asset Class:
|
DECEMBER 31, 2014
HOW HAS IT PERFORMED?
Franklin Templeton
Investments Corp.
May 12, 2003
Tactical Balanced
WHAT IS THE INVESTMENT
OBJECTIVE?
Seeks current income while maintaining prospects
for capital appreciation by investing primarily in debt
and equity securities issued around the world.
TOP 10 INVESTMENTS
1. Government of Hungary, Senior Note, 5.375%,
03/25/2024
2. Government of Mexico, 7.25%, 12/15/2016
3. Korea Monetary Stabilization Bond, Senior
Note, 2.76%, 06/02/2015
4. Samsung Electronics Co. Ltd.
5. Comcast Corp., Special A
6. Government of Serbia, Reg S, 7.25%,
09/28/2021
7. Foot Locker Inc.
8. Macy’s Inc.
9. Amgen Inc.
10. Teva Pharmaceutical Industries Ltd., ADR
Compound returns
(In Canadian dollars as of December 31, 2014
1 month
-1.21%
6 months
0.42%
1 year
5.03%
2 years
12.42%
3 years
12.43%
5 years
8.00%
Since inception
5.77%
(For current month returns, visit www.equitable.ca.
Universal Life Rates & Performance can be found
under Our Products / Universal Life / Resources).
Past performance does not guarantee future
results. Investment results will vary. The Mutual
Fund or Index being tracked may change at any
time.
INVESTMENT SEGMENTATION
HOW RISKY IS IT?
Very
Low
Low
Low to
moderate
Moderate
Moderate
to high
High
This is a Linked Interest Option. It is not a Mutual
fund or Indices. You are not acquiring an interest
in any investments tracked by this designated index
or purchasing any units or legal interest in any
security. You are placing funds on deposit, earning
interest with the general funds of Equitable Life.
Interest is based on the performance of Templeton
Global Balanced Fund.
4
INDEX INTEREST OPTIONS
CANADIAN EQUITY
(Currently tracking S&P/TSX60 Total Return Index)
THE EQUITABLE LIFE INSURANCE COMPANY OF CANADA
QUICK FACTS
Portfolio Manager:
Date of Inception:
Asset Class:
|
DECEMBER 31, 2014
HOW HAS IT PERFORMED?
Maintained by the
S&P/TSX Canadian
Index Committee
November 14, 1994
Canadian Equity
Compound returns
(In Canadian dollars as of December 31, 2014)
1 month
-0.65%
6 months
0.07%
1 year
12.27%
2 years
12.76%
3 years
11.18%
5 years
7.31%
Since inception
8.34%
WHAT IS THE INVESTMENT
OBJECTIVE?
Represents leading companies in leading
industries, this Index covers approximately 73% of
Canada’s equity market capitalization. Its 60 stocks
make it ideal for large cap coverage and a costeffective way to achieve Canadian equity exposure.
(For current month returns, visit www.equitable.ca.
Universal Life Rates & Performance can be found
under Our Products / Universal Life / Resources).
TOP 10 INVESTMENTS
Past performance does not guarantee future
results. Investment results will vary. The Mutual
Fund or Index being tracked may change at any
time.
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
Royal Bank of Canada
Toronto-Dominion Bank
Bank of Nova Scotia Halifax
Canadian National Railways
Suncor Energy Inc.
Bank of Montreal
Valeant Pharmaceuticals International Inc.
Enbridge Inc.
BCE Inc.
Manulife Financial Corp
INVESTMENT SEGMENTATION
HOW RISKY IS IT?
Very
Low
Low
Low to
moderate
Moderate
Moderate
to high
High
This is a Linked Interest Option. It is not a Mutual
fund or Indices. You are not acquiring an interest
in any investments tracked by this designated index
or purchasing any units or legal interest in any
security. You are placing funds on deposit, earning
interest with the general funds of Equitable Life.
Interest is based on the performance of
S&P/TSX60 Total Return Index.
5
PERFORMANCE FUND INTEREST OPTIONS
CANADIAN VALUE STOCK
(Currently tracking Mackenzie Cundill Canadian Security Fund,
series C.)
THE EQUITABLE LIFE INSURANCE COMPANY OF CANADA
QUICK FACTS
Portfolio Manager:
Date of Inception:
Asset Class:
|
DECEMBER 31, 2014
HOW HAS IT PERFORMED?
Mackenzie Investments
May 12, 2003
Canadian Focused Equity
WHAT IS THE INVESTMENT
OBJECTIVE?
Great diversifier with a deep value, unique
approach to managing Canadian equities. Flexible
mandate that can invest in a company of any size
and elevate cash levels to manage volatility.
Proven long-term wealth generation.
Compound returns
(In Canadian dollars as of December 31, 2014)
1 month
2.42%
6 months
2.35%
1 year
5.62%
2 years
15.39%
3 years
16.92%
5 years
11.31%
Since inception
7.68%
(For current month returns, visit www.equitable.ca.
Universal Life Rates & Performance can be found
under Our Products / Universal Life / Resources).
TOP 10 INVESTMENTS
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
Past performance does not guarantee future
results. Investment results will vary. The Mutual
Fund or Index being tracked may change at any
time.
Citigroup Inc.
Celestica Inc.
Granite Real Estate Investment
Canfor Corp.
West Fraser Timber Co. Ltd.
American International Group Inc.
POSCO
E-L Financial Corp. Ltd.
Chesapeake Energy Corp.
Blackberry Ltd. 6.00% 11-12-2020
INVESTMENT SEGMENTATION
HOW RISKY IS IT?
Very
Low
Low
Low to
moderate
Moderate
Moderate
to high
High
This is a Linked Interest Option. It is not a Mutual
fund or Indices. You are not acquiring an interest
in any investments tracked by this designated index
or purchasing any units or legal interest in any
security. You are placing funds on deposit, earning
interest with the general funds of Equitable Life.
Interest is based on the performance of Mackenzie
Cundill Canadian Security Fund.
6
PERFORMANCE FUND INTEREST OPTIONS
LARGE CAP CANADIAN EQUITY
(Currently tracking Mackenzie Ivy Canadian Fund, series A.)
THE EQUITABLE LIFE INSURANCE COMPANY OF CANADA
QUICK FACTS
Portfolio Manager:
Date of Inception:
Asset Class:
DECEMBER 31, 2014
HOW HAS IT PERFORMED?
Mackenzie Investments
May 12, 2003
Canadian Focused Equity
WHAT IS THE INVESTMENT
OBJECTIVE?
Long-term capital growth by investing mainly in a
select group of high-quality, large-cap Canadian
businesses. Suitable as a core Canadian equity
holding with lower volatility characteristics –
preservation of an investor’s wealth is the hallmark
of the Fund’s investment approach.
Compound returns
(In Canadian dollars as of December 31, 2014)
1 month
-1.15%
6 months
1.62%
1 year
11.23%
2 years
15.96%
3 years
12.79%
5 years
9.32%
Since inception
5.30%
(For current month returns, visit www.equitable.ca.
Universal Life Rates & Performance can be found
under Our Products / Universal Life / Resources).
Past performance does not guarantee future
results. Investment results will vary. The Mutual
Fund or Index being tracked may change at any
time.
TOP 10 INVESTMENTS
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
|
Loblaw Cos Ltd.
Great-West Lifeco Inc.
Brookfield Asset Management Inc.
Toronto-Dominion Bank
Suncor Energy Inc.
SNC-Lavalin Group Inc.
United Parcel Service Inc.
Danone SA
Canadian Natural Resources Ltd.
Bank of Nova Scotia
INVESTMENT SEGMENTATION
HOW RISKY IS IT?
Very
Low
Low
Low to
moderate
Moderate
Moderate
to high
High
This is a Linked Interest Option. It is not a Mutual
fund or Indices. You are not acquiring an interest
in any investments tracked by this designated index
or purchasing any units or legal interest in any
security. You are placing funds on deposit, earning
interest with the general funds of Equitable Life.
Interest is based on the performance of Mackenzie
Ivy Canadian Fund.
7
INDEX INTEREST OPTIONS
AMERICAN EQUITY
(Currently tracking S&P 500 Total Return Index)
THE EQUITABLE LIFE INSURANCE COMPANY OF CANADA
QUICK FACTS
Portfolio Manager:
Date of Inception:
Asset Class:
DECEMBER 31, 2014
HOW HAS IT PERFORMED?
Maintained by the S&P
Index Committee
October 13, 2000
U.S. Equity
WHAT IS THE INVESTMENT
OBJECTIVE?
Widely regarded as the best single gauge of the
U.S. equities market, this Index includes 500
leading companies in leading industries in the U.S.
economy. Although it focuses on the large cap
segment of the market, with approximately 80%
coverage of U.S. equities, it is also an ideal proxy
for the total market.
TOP 10 INVESTMENTS
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
|
Apple Inc.
Exxon Mobil Corp.
Microsoft Corp.
Johnson & Johnson
Berkshire Hathaway B
Wells Fargo & Co.
General Electric Co.
Procter & Gamble
JP Morgan Chase & Co.
Chevron Corp.
Compound returns
(In Canadian dollars as of December 31, 2014)
1 month
1.15%
6 months
15.37%
1 year
24.00%
2 years
32.48%
3 years
25.82%
5 years
17.86%
Since inception
2.96%
(For current month returns, visit www.equitable.ca.
Universal Life Rates & Performance can be found
under Our Products / Universal Life / Resources).
Past performance does not guarantee future
results. Investment results will vary. The Mutual
Fund or Index being tracked may change at any
time.
INVESTMENT SEGMENTATION
HOW RISKY IS IT?
Very
Low
Low
Low to
moderate
Moderate
Moderate
to high
High
This is a Linked Interest Option. It is not a Mutual
fund or Indices. You are not acquiring an interest
in any investments tracked by this designated index
or purchasing any units or legal interest in any
security. You are placing funds on deposit, earning
interest with the general funds of Equitable Life.
Interest is based on the performance of S&P 500
Total Return Index.
8
INDEX INTEREST OPTIONS
U.S. TECHNOLOGIES
(Currently tracking NASDAQ 100 Total Return Index)
THE EQUITABLE LIFE INSURANCE COMPANY OF CANADA
QUICK FACTS
Portfolio Manager:
Date of Inception:
Asset Class:
DECEMBER 31, 2014
HOW HAS IT PERFORMED?
Maintained by NASDAQ
October 13, 2000
U.S. Equity
WHAT IS THE INVESTMENT
OBJECTIVE?
Includes 100 of the largest domestic and
international non-financial securities listed on The
Nasdaq Stock Market based on market
capitalization. The Index reflects companies
across major industry groups including computer
hardware and software, telecommunications,
retail/wholesale trade and biotechnology. It does
not contain securities of financial companies
including investment companies.
TOP 10 INVESTMENTS
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
|
(as of January 7, 2015)
Apple Inc.
Microsoft Corp.
Intel Corp.
Google Inc. (GOOG)
Facebook Inc.
Gilead Sciences Inc.
Google Inc. (GOOGL)
Cisco Systems Inc.
Amazon.com Inc.
QUALCOMM Inc.
Compound returns
(In Canadian dollars as of December 31, 2014)
1 month
-0.93%
6 months
20.35%
1 year
30.24%
2 years
38.07%
3 years
30.20%
5 years
21.70%
Since inception
0.56%
(For current month returns, visit www.equitable.ca.
Universal Life Rates & Performance can be found
under Our Products / Universal Life / Resources).
Past performance does not guarantee future
results. Investment results will vary. The Mutual
Fund or Index being tracked may change at any
time.
INVESTMENT SEGMENTATION
(as of January 7, 2015)
HOW RISKY IS IT?
Very
Low
Low
Low to
moderate
Moderate
Moderate
to high
High
This is a Linked Interest Option. It is not a Mutual
fund or Indices. You are not acquiring an interest
in any investments tracked by this designated index
or purchasing any units or legal interest in any
security. You are placing funds on deposit, earning
interest with the general funds of Equitable Life.
Interest is based on the performance of NASDAQ
100 Total Return Index.
9
INDEX INTEREST OPTIONS
U.S. BLUE CHIP
(Currently tracking Dow Jones Industrial Average Total Return Index)
THE EQUITABLE LIFE INSURANCE COMPANY OF CANADA
QUICK FACTS
Portfolio Manager:
Date of Inception:
Asset Class:
DECEMBER 31, 2014
HOW HAS IT PERFORMED?
Maintained by Dow
Jones Indexes
September 24, 2001
U.S. Equity
WHAT IS THE INVESTMENT
OBJECTIVE?
To represent large and well-known U.S.
companies. Covers all industries with the exception
of Transportation and Utilities.
TOP 10 INVESTMENTS
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
|
Visa Inc.
Goldman Sachs Group Inc.
3M Co.
International Business Machines Corp.
Boeing Co.
United Technologies Corp.
Chevron Corp.
Travelers Cos Inc.
Home Depot Inc.
Johnson & Johnson
Compound returns
(In Canadian dollars as of December 31, 2014)
1 month
1.52%
6 months
16.53%
1 year
20.03%
2 years
28.98%
3 years
21.51%
5 years
16.26%
Since inception
5.33%
(For current month returns, visit www.equitable.ca.
Universal Life Rates & Performance can be found
under Our Products / Universal Life / Resources).
Past performance does not guarantee future
results. Investment results will vary. The Mutual
Fund or Index being tracked may change at any
time.
INVESTMENT SEGMENTATION
HOW RISKY IS IT?
Very
Low
Low
Low to
moderate
Moderate
Moderate
to high
High
This is a Linked Interest Option. It is not a Mutual
fund or Indices. You are not acquiring an interest
in any investments tracked by this designated index
or purchasing any units or legal interest in any
security. You are placing funds on deposit, earning
interest with the general funds of Equitable Life.
Interest is based on the performance of Dow Jones
Industrial Average Total Return Index.
10
PERFORMANCE FUND INTEREST OPTIONS
GLOBAL
(Currently tracking Templeton Growth Fund Ltd. series A.)
THE EQUITABLE LIFE INSURANCE COMPANY OF CANADA
QUICK FACTS
Portfolio Manager:
Date of Inception:
Asset Class:
DECEMBER 31, 2014
HOW HAS IT PERFORMED?
Franklin Templeton
Investments Corp.
November 1, 1995
Global Equity
WHAT IS THE INVESTMENT
OBJECTIVE?
Long-term capital appreciation by investing primarily
in equity securities of companies around the world
and fixed income securities issued by governments
or companies of any country. May invest in any
country or industry in any proportion. The Fund's
Series A (Hedged) seeks to minimize the impact of
currency fluctuations.
Compound returns
(In Canadian dollars as of December 31, 2014)
1 month
-0.26%
6 months
3.37%
1 year
8.96%
2 years
21.60%
3 years
19.14%
5 years
10.54%
Since inception
5.15%
(For current month returns, visit www.equitable.ca.
Universal Life Rates & Performance can be found
under Our Products / Universal Life / Resources).
Past performance does not guarantee future
results. Investment results will vary. The Mutual
Fund or Index being tracked may change at any
time.
TOP 10 INVESTMENTS
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
|
CVS Health Corp.
Gilead Sciences Inc.
Microsoft Corp.
Amgen Inc.
Hewlett-Packard Co.
Citigroup Inc.
Kingfisher PLC
Samsung Electronics Co. Ltd.
Morgan Stanley
Comcast Corp.
INVESTMENT SEGMENTATION
HOW RISKY IS IT?
Very
Low
Low
Low to
moderate
Moderate
Moderate
to high
High
This is a Linked Interest Option. It is not a Mutual
fund or Indices. You are not acquiring an interest
in any investments tracked by this designated index
or purchasing any units or legal interest in any
security. You are placing funds on deposit, earning
interest with the general funds of Equitable Life.
Interest is based on the performance of Templeton
Growth Fund Ltd.
11
INDEX INTEREST OPTIONS
EUROPEAN
(Currently tracking DJ EURO STOXX 50 Total Return Index)
THE EQUITABLE LIFE INSURANCE COMPANY OF CANADA
Maintained by Stoxx Ltd.
October 13, 2000
European Equity
WHAT IS THE INVESTMENT
OBJECTIVE?
Represents the largest supersector leaders in the
Eurozone. Captures approximately 60% of the free
float market capitalisation of the EURO STOXX
Total Market Index, which in turn covers
approximately 95% of the free float market
capitalisation of the represented countries.
TOP 10 INVESTMENTS
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
DECEMBER 31, 2014
HOW HAS IT PERFORMED?
QUICK FACTS
Portfolio Manager:
Date of Inception:
Asset Class:
|
Total
Bayer
Sanofi
BCO Santander
Siemens
Anheuser-Busch Inbev
Daimler
BASF
Allianz
Sap
Compound returns
(In Canadian dollars as of December 31, 2014)
1 month
-4.40%
6 months
-5.76%
1 year
-0.37%
2 years
16.29%
3 years
16.66%
5 years
3.10%
Since inception
0.33%
(For current month returns, visit www.equitable.ca.
Universal Life Rates & Performance can be found
under Our Products / Universal Life / Resources).
Past performance does not guarantee future
results. Investment results will vary. The Mutual
Fund or Index being tracked may change at any
time.
INVESTMENT SEGMENTATION
HOW RISKY IS IT?
Very
Low
Low
Low to
moderate
Moderate
Moderate
to high
High
This is a Linked Interest Option. It is not a Mutual
fund or Indices. You are not acquiring an interest
in any investments tracked by this designated index
or purchasing any units or legal interest in any
security. You are placing funds on deposit, earning
interest with the general funds of Equitable Life.
Interest is based on the performance of DJ EURO
STOXX 50 Total Return Index.
12
PORTFOLIO INTEREST OPTIONS
DIVERSIFIED INCOME
(Currently tracking Franklin Quotential Diversified Income Portfolio,
Series T.)
THE EQUITABLE LIFE INSURANCE COMPANY OF CANADA
QUICK FACTS
Portfolio Manager:
Date of Inception:
Asset Class:
DECEMBER 31, 2014
HOW HAS IT PERFORMED?
Franklin Templeton
Investments Corp.
June 14, 2004
Global Fixed Income
Balanced
Compound returns
(In Canadian dollars as of December 31, 2014
1 month
-0.40%
6 months
1.42%
1 year
5.42%
2 years
5.68%
3 years
5.97%
5 years
5.99%
Since inception
4.56%
WHAT IS THE INVESTMENT
OBJECTIVE?
High current income and some long-term capital
appreciation by investing primarily in a diversified
mix of income and bond mutual funds.
TOP 10 INVESTMENTS
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
|
Franklin Bissett Bond Fund
Templeton Global Bond Fund
iShares Intermediate Credit Bond ETF
Franklin Bissett Canadian Short Term Bond Fund
Franklin Strategic Income Fund
Franklin Mutual European Fund, Class I (Acc)
Franklin U.S. Rising Dividends Fund
Franklin Bissett Canadian Dividend Fund
Templeton Emerging Markets Fund
Franklin Bissett Canadian High Dividend Fund
(For current month returns, visit www.equitable.ca.
Universal Life Rates & Performance can be found
under Our Products / Universal Life / Resources).
Past performance does not guarantee future
results. Investment results will vary. The Mutual
Fund or Index being tracked may change at any
time.
INVESTMENT SEGMENTATION
HOW RISKY IS IT?
Very
Low
Low
Low to
moderate
Moderate
Moderate
to high
High
This is a Linked Interest Option. It is not a Mutual
fund or Indices. You are not acquiring an interest
in any investments tracked by this designated index
or purchasing any units or legal interest in any
security. You are placing funds on deposit, earning
interest with the general funds of Equitable Life.
Interest is based on the performance of Franklin
Quotential Diversified Income Portfolio.
13
PORTFOLIO INTEREST OPTIONS
BALANCED INCOME
(Currently tracking Franklin Quotential Balanced Income Portfolio,
Series A.)
THE EQUITABLE LIFE INSURANCE COMPANY OF CANADA
QUICK FACTS
Portfolio Manager:
|
DECEMBER 31, 2014
HOW HAS IT PERFORMED?
Franklin Templeton
Investments Corp.
June 14, 2004
Global Neutral
Balanced
WHAT IS THE INVESTMENT
OBJECTIVE?
Compound returns
(In Canadian dollars as of December 31, 2014)
1 month
-0.38%
6 months
2.48%
1 year
6.86%
2 years
8.44%
3 years
7.54%
5 years
5.90%
Since inception
4.60%
A balance of current income and long-term capital
appreciation by investing in a diversified mix of
equity and income mutual funds, with a bias
towards income.
(For current month returns, visit www.equitable.ca.
Universal Life Rates & Performance can be found
under Our Products / Universal Life / Resources).
Date of Inception:
Asset Class:
TOP 10 INVESTMENTS
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
Franklin Bissett Bond Fund
Templeton Global Bond Fund
Franklin Bissett Canadian Equity Fund
Franklin U.S. Core Equity Fund
Franklin Mutual European Fund, Class I (Acc)
Templeton Asian Growth Fund
Franklin Flex Cap Growth Fund
iShares Intermediate Credit Bond ETF
WisdomTree Japan Hedged Equity Fund
Franklin Bissett All Canadian Focus Fund
Past performance does not guarantee future
results. Investment results will vary. The Mutual
Fund or Index being tracked may change at any
time.
INVESTMENT SEGMENTATION
HOW RISKY IS IT?
Very
Low
Low
Low to
moderate
Moderate
Moderate
to high
High
This is a Linked Interest Option. It is not a Mutual
fund or Indices. You are not acquiring an interest
in any investments tracked by this designated index
or purchasing any units or legal interest in any
security. You are placing funds on deposit, earning
interest with the general funds of Equitable Life.
Interest is based on the performance of Franklin
Quotential Balanced Income Portfolio.
14
PORTFOLIO INTEREST OPTIONS
BALANCED GROWTH
(Currently tracking Franklin Quotential Balanced Growth Portfolio,
Series A.)
THE EQUITABLE LIFE INSURANCE COMPANY OF CANADA
QUICK FACTS
Portfolio Manager:
Date of Inception:
Asset Class:
|
DECEMBER 31, 2014
HOW HAS IT PERFORMED?
Franklin Templeton
Investments Corp.
June 14, 2004
Global Equity Balanced
WHAT IS THE INVESTMENT
OBJECTIVE?
A balance of current income and long-term capital
appreciation by investing in a diversified mix of
equity and income mutual funds, with a bias
towards capital appreciation.
Compound returns
(In Canadian dollars as of December 31, 2014)
1 month
-0.50%
6 months
2.77%
1 year
7.38%
2 years
11.07%
3 years
9.47%
5 years
6.56%
Since inception
4.90%
(For current month returns, visit www.equitable.ca.
Universal Life Rates & Performance can be found
under Our Products / Universal Life / Resources).
TOP 10 INVESTMENTS
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
Franklin Bissett Bond Fund
Franklin Bissett Canadian Equity Fund
Templeton Global Bond Fund
Franklin Mutual European Fund, Class I (Acc)
Franklin U.S. Core Equity Fund
Templeton Asian Growth Fund
Franklin Flex Cap Growth Fund
WisdomTree Japan Hedged Equity Fund
Franklin Bissett All Canadian Focus Fund
Franklin U.S. Rising Dividends Fund
Past performance does not guarantee future
results. Investment results will vary. The Mutual
Fund or Index being tracked may change at any
time.
INVESTMENT SEGMENTATION
HOW RISKY IS IT?
Very
Low
Low
Low to
moderate
Moderate
Moderate
to high
High
This is a Linked Interest Option. It is not a Mutual
fund or Indices. You are not acquiring an interest
in any investments tracked by this designated index
or purchasing any units or legal interest in any
security. You are placing funds on deposit, earning
interest with the general funds of Equitable Life.
Interest is based on the performance of Franklin
Quotential Balanced Growth Portfolio.
15
PORTFOLIO INTEREST OPTIONS
GROWTH
(Currently tracking Franklin Quotential Growth Portfolio, Series
A.)
THE EQUITABLE LIFE INSURANCE COMPANY OF CANADA
QUICK FACTS
Portfolio Manager:
Date of Inception:
Asset Class:
|
DECEMBER 31, 2014
HOW HAS IT PERFORMED?
Franklin Templeton
Investments Corp.
June 14, 2004
Global Equity Balanced
WHAT IS THE INVESTMENT
OBJECTIVE?
Long-term capital appreciation by investing primarily
in a diversified mix of equity mutual funds, with
additional stability derived from investing in fixed
income mutual funds.
Compound returns
(In Canadian dollars as of December 31, 2014)
1 month
-0.44%
6 months
3.10%
1 year
7.63%
2 years
13.42%
3 years
11.43%
5 years
7.01%
Since inception
4.23%
(For current month returns, visit www.equitable.ca.
Universal Life Rates & Performance can be found
under Our Products / Universal Life / Resources).
TOP 10 INVESTMENTS
1.
2.
3.
4.
5.
6.
7.
8.
9.
Franklin Bissett Bond Fund
Templeton Asian Growth Fund
Franklin U.S. Core Equity Fund
Franklin Mutual European Fund, Class I (Acc)
Franklin Flex Cap Growth Fund
Franklin Bissett Canadian Equity Fund
Wisdom Tree Japan Hedged Equity Fund
Franklin U.S. Rising Dividends Fund
Franklin Bissett All Canadian Focus Fund
10. SPDR Euro Stoxx 50 ETF
Past performance does not guarantee future
results. Investment results will vary. The Mutual
Fund or Index being tracked may change at any
time.
INVESTMENT SEGMENTATION
HOW RISKY IS IT?
Very
Low
Low
Low to
moderate
Moderate
Moderate
to high
High
This is a Linked Interest Option. It is not a Mutual
fund or Indices. You are not acquiring an interest
in any investments tracked by this designated index
or purchasing any units or legal interest in any
security. You are placing funds on deposit, earning
interest with the general funds of Equitable Life.
Interest is based on the performance of Franklin
Quotential Growth Portfolio.
16
PORTFOLIO INTEREST OPTIONS
DIVERSIFIED EQUITY
(Currently tracking Franklin Quotential Diversified Equity
Portfolio, series A.)
THE EQUITABLE LIFE INSURANCE COMPANY OF CANADA
QUICK FACTS
Portfolio Manager:
Date of Inception:
Asset Class:
DECEMBER 31, 2014
HOW HAS IT PERFORMED?
Franklin Templeton
Investments Corp.
June 14, 2004
Global Equity
WHAT IS THE INVESTMENT
OBJECTIVE?
Long-term capital appreciation by investing primarily
in a diversified mix of global equity mutual funds.
TOP 10 INVESTMENTS
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
|
Franklin Mutual Global Discovery Fund
Franklin World Growth Fund
Templeton Asian Growth Fund
Franklin U.S. Core Equity Fund
Templeton International Stock Fund
WisdomTree Japan Hedged Equity Fund
Franklin Flex Cap Growth Fund
Franklin Mutual European Fund, Class I (Acc)
Franklin U.S. Rising Dividends Fund
Franklin Bissett Canadian Equity Fund
Compound returns
(In Canadian dollars as of December 31, 2014)
1 month
-0.32%
6 months
4.33%
1 year
7.67%
2 years
17.57%
3 years
15.00%
5 years
8.40%
Since inception
4.25%
(For current month returns, visit www.equitable.ca.
Universal Life Rates & Performance can be found
under Our Products / Universal Life / Resources).
Past performance does not guarantee future
results. Investment results will vary. The Mutual
Fund or Index being tracked may change at any
time.
INVESTMENT SEGMENTATION
HOW RISKY IS IT?
Very
Low
Low
Low to
moderate
Moderate
Moderate
to high
High
This is a Linked Interest Option. It is not a Mutual
fund or Indices. You are not acquiring an interest
in any investments tracked by this designated index
or purchasing any units or legal interest in any
security. You are placing funds on deposit, earning
interest with the general funds of Equitable Life.
Interest is based on the performance of Franklin
Quotential Diversified Equity Portfolio.
17
Works for me.
™
Canadians have turned to Equitable Life since 1920
to protect what matters most. We work with your
independent financial advisor to offer individual
insurance and savings and retirement solutions that
provide good value and meet your needs – now and
in the future.
But we’re not your typical financial services company.
We have the knowledge, experience and ability to
find solutions that work for you. We’re friendly, caring
and interested in helping. And we’re owned by our
participating policyholders, not shareholders. So we
can focus on your interests and providing you with
personalized service, security and wellbeing.
universal life
While Equitable Life has made every effort to ensure the accuracy of
the information presented here, the policy contract governs in all cases.
One Westmount Road North,
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Visit our website: www.equitable.ca
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1193(2014/)